Chase Ultimate Rewards is one of hte most valuable transferable point programs. Transferable means that the points you earn can be transferred directly to Chase’s airline and hotel partners to book award flights and hotel stays. In this best Chase Credit cards guide, we cover cards that earn both Ultimate Rewards points and cash back.
When determining which of these best Chase credit cards to apply for, it’s important to note the Chase 5/24 rule. Anecdotally, Chase will not approve you for any of its cards subject to the rule if you’ve applied for five or more personal credit cards in the past 24 months. All Chase Ultimate Rewards credit cards are Chase 5/24 credit cards. Most business credit cards do not add to your Chase 5/24 count. However, Capital One business credit cards do count towards your Chase 5/24 total.
Best Chase Credit Cards (Personal)
Chase Sapphire Reserve
The Sapphire Reserve earns 3x points in travel and dining, has excellent travel coverage, and a $300 travel credit. New cardmembers earn 50,000 points after spending $4,000 in the first three months. This card has a $550 annual fee and no foreign transaction fees. Points can be redeemed through Chase travel at 1.5 cents per point.
Chase Sapphire Preferred
Chase Sapphire Preferred cardmembers earn 2x points on dining and travel. Points earned can be redeemed at 1.25 cents per point through Chase travel. Like the Chase Sapphire Reserve, the Chase Sapphire Preferred has good travel coverage. New cardmembers earn 60,000 points after spending $4,000 in the first three months. This card has no foreign transaction fees and a $95 annual fee.
Chase Freedom Flex
Chase Freedom Flex earns 5% cashback in rotating bonus categories every quarter up to $1,500 in spending. You also earn 5% cashback on travel book through Chase travel and 3% cashback at restaurants and drugstores. This card has no annual fee with new cardmembers earning 20,000 points after spending $500 in the first three months. If you have the Sapphire Reserve, Sapphire Preferred, and/or Ink Business Preferred, you can convert the cash back earned into Chase points.
Chase Freedom Unlimited
The Freedom Unlimited earns 1.5% cash back on all purchases and has a $0 annual fee. New cardmembers earn 20,000 points after spending $500 in the first three months. Cash back earned can be converted into Chase points if you have the Sapphire Reserve, Sapphire Preferred, and/or Ink Business Preferred.
Best Chase Credit Cards (Business)
Ink Business Preferred
The $95 annual fee Ink Business Preferred card earns 3x points on travel, shipping, internet, cable, phone, social media advertising, and search engine purchases up to $150k per year. Points earned can be redeemed through Chase travel at 1.25 cents per point. This card has solid travel coverage and no foreign transaction fees. New cardmembers earn 100,000 points after spending $15,000 within the first three months.
Ink Business Cash
The $0 annual fee Ink Business Cash earns 5% cash back at office supply stores, internet, cable, and phone services up to $25k per year. It also earns 2% cash back at gas stations and restaurants up to $25k per year. New cardmembers earn 75,000 points after spending $7,500 within the first three months. If you have the Sapphire Reserve, Sapphire Preferred, and/or Ink Business Preferred, you can convert the cash back earned into Chase points.
Ink Business Unlimited
The $0 annual fee Ink Business Unlimited card earns 1.5% cash back per transaction. New cardmembers earn 75,000 points after spending $7,500 within the first three months. You can convert the cash back earned into Chase points if you have the Chase Sapphire Reserve, Chase Sapphire Preferred, and/or Ink Business Preferred.
Conclusion on the Best Chase Credit Cards
Chase has valuable cards that make this best Chase credit list. The Chase Sapphire Reserve is argualably the most lucrateive personal credit card. In terms of business credit cards, the Ink Business Preferred is likely to yeile the most value.
What are your best Chase credit cards? What’s your favorite Chase credit card? Please let me know in the comments or by sending me an email on my contact page.
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